Mortgage Lenders and Brokers in Golden Hills, California
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Golden Hills, California mortgage lenders include Safe 1 Credit UnionSafe 1 Credit Union1400 Mill Rock Way, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 1.69%, Valley Strong Credit UnionValley Strong Credit Union8200 Stockdale Hwy Ste P, Bakersfield, CA 93311A5.0 ★Texas Ratio: 13.47%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit Union1100 W Hollyvale St, Azusa, CA 91702 3305A5.0 ★Texas Ratio: 8.22%, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union7900 Downing Ave, Bakersfield, CA 93308A+5.0 ★Texas Ratio: 1.69%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Mechanics BankMechanics Bank801 San Pablo Ave, Albany, CA 94706A+5.0 ★Texas Ratio: 1.81%, Edwards Federal Credit UnionEdwards Federal Credit Union10 S Muroc Dr, Edwards, CA 93524 8002A+5.0 ★Texas Ratio: 4.91%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, and Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Golden Hills, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Golden Hills are listed first, then lenders elsewhere in California, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Golden Hills, California
Market share is the lender's share of all home loans closed in Golden Hills, California. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1400 Mill Rock Way, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 5 | 2.3% | 100% | $49,000 | View |
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8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47% |
Conventional, HELOC | 3 +10 HELOCs |
1.4% | 100% | $211,666 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $310,000 | View |
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1100 W Hollyvale St, Azusa, CA 91702 3305 A5.0 ★Texas Ratio: 8.22% |
Conventional | 2 | 0.9% | 100% | $200,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $105,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.5% | 66.7% | $155,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
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10 S Muroc Dr, Edwards, CA 93524 8002 A+5.0 ★Texas Ratio: 4.91% |
Conventional | 1 | 0.5% | 100% | $65,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional | 1 | 0.5% | 100% | $55,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $245,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.5% | 100% | $195,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $75,000 | View |
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2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14% |
Conventional | 1 | 0.5% | 100% | $615,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 16 | 7.4% | 94.1% | $348,750 | |
Kind Lending, LLC
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Conventional, FHA, VA | 5 | 2.3% | 83.3% | $441,000 | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 4 | 1.8% | 100% | $265,000 | |
loanDepot.com LLC
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Conventional | 4 | 1.8% | 80% | $150,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 4 | 1.8% | 100% | $297,500 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 4 | 1.8% | 100% | $317,500 | View |
Augusta Financial, Inc.
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FHA, VA | 3 | 1.4% | 100% | $418,333 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 3 | 1.4% | 100% | $241,666 | |
Paramount Residential Mortgage
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Conventional | 3 | 1.4% | 100% | $238,333 | |
Goodleap, LLC
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VA, HELOC | 2 +1 HELOCs |
0.9% | 100% | $435,000 | |
Guild Mortgage Company
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Conventional | 2 | 0.9% | 100% | $400,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.9% | 100% | $175,000 | |
MortgageOne, Inc
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VA | 1 | 0.5% | 100% | $515,000 | |
Resicentral LLC
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Conventional | 1 | 0.5% | 100% | $415,000 | |
Royal Pacific Funding
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FHA | 1 | 0.5% | 100% | $375,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.5% | 100% | $485,000 | |
Flexpoint, Inc.
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VA | 1 | 0.5% | 100% | $345,000 | |
Dignified Home Loans LLC
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Conventional | 1 | 0.5% | 100% | $515,000 | |
Mortgage Management Consultants, Inc.
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Conventional | 1 | 0.5% | 100% | $345,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $565,000 | |
The Police Credit Union of California
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Conventional | 1 | 0.5% | 100% | $55,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.5% | 33.3% | $175,000 | |
Arcstone Financial Inc
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Conventional | 1 | 0.5% | 100% | $605,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.5% | 100% | $435,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
AmWest Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 28 +1 HELOCs |
12.9% | 80.6% | $397,500 | |
Rocket Mortgage
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Conventional, FHA, VA | 19 | 8.8% | 90.5% | $249,736 | |
Nations Lending Corporation
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Conventional, FHA, VA | 15 | 6.9% | 100% | $351,666 | |
Mortgage Research Center
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Conventional, VA | 10 | 4.6% | 76.9% | $466,000 | |
Peoples Mortgage Company
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Conventional, FHA | 4 | 1.8% | 100% | $265,000 | |
V.I.P. Mortgage, Inc.
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Conventional, VA | 4 | 1.8% | 100% | $422,500 | |
Ark-La-Tex Financial Services LLC
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Conventional, VA | 4 | 1.8% | 100% | $290,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +4 HELOCs |
1.4% | 100% | $308,333 | |
Newrez LLC
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Conventional, VA | 3 | 1.4% | 75% | $265,000 | |
Amerisave Mortgage Company
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Conventional | 3 | 1.4% | 75% | $135,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 3 | 1.4% | 100% | $385,000 | View |
Planet Home Lending, LLC
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Conventional, FHA, VA | 3 | 1.4% | 100% | $271,666 | |
Nationstar Mortgage
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Conventional | 3 | 1.4% | 100% | $81,666 | |
The Loan Store, Inc
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Conventional | 3 | 1.4% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.9% | 100% | $405,000 | View |
Freedom Mortgage Corporation
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FHA, VA | 2 | 0.9% | 100% | $500,000 | |
Loanunited.Com, LLC
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FHA, VA | 2 | 0.9% | 100% | $395,000 | |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.9% | 100% | $175,000 | |
Spring Eq, LLC
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Conventional | 2 | 0.9% | 40% | $65,000 | |
EMM Loans LLC
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FHA | 1 | 0.5% | 100% | $325,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.5% | 40% | $495,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $455,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $115,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $245,000 | |
Sammamish Mortgage Company
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Conventional | 1 | 0.5% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.5% | 100% | $55,000 | View |
Credit Human Federal Credit Un
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Conventional | 1 | 0.5% | 100% | $185,000 | |
American Financing Corporation
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Conventional | 1 | 0.5% | 50% | $65,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.5% | 100% | $245,000 | |
Churchill Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $445,000 | |
Digital Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $35,000 | |
Better Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $345,000 | |
Notre Dame Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.5% | 100% | $115,000 | View |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.5% | 100% | $85,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 0.5% | 100% | $395,000 | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Union Home Mortgage Corp.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Golden Hills Mortgage Rate Trends
Daily average mortgage rates for California compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Golden Hills, California
Looking for mortgage lenders near me or mortgage brokers near me in Golden Hills? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Golden Hills in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Golden Hills, CA
Use these to narrow the list above. Each category shows how many Golden Hills, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Golden Hills, CA
Independent mortgage companies closed 85.3 percent of home loans in Golden Hills, California in 2025, banks 5.1 percent and credit unions 9.7 percent. American Pacific Mortgage Corporation was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Safe 1 Credit Union the largest credit union. Among lenders headquartered in California, Safe 1 Credit Union led with 5 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.
More California Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Golden Hills, CA
By home loans closed in 2025, Safe 1 Credit Union was the largest mortgage lender in Golden Hills, California with 5 loans, about 2.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Golden Hills, California in 2025, led by United Wholesale Mortgage with 8. 20 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 9 banks and 15 credit unions closed home loans in Golden Hills, California in 2025, alongside 57 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Golden Hills, California during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Golden Hills, California for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Golden Hills. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
